• Real-Financial-Stress-Among-Seniors
    April 01, 2017

    Financial Stress Among Seniors

    Retirement today looks very different than it did even 20 years ago. Because of the differing concerns retirees and soon-to-be retirees are facing now, many are choosing a path that’s different from the stereotypical, golf-and-gardening one that’s been the model for retirement for so many years. They’re also looking for alternative financial options.

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  • Happy New Year
    December 19, 2016

    Happy Holidays from LISA

    As we approach the holiday season and say farewell to 2016, those of us at the Life Insurance Settlement Association would like to share some thoughts with seniors about the end of the year.

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  • 5 important things life insurance companies don’t always tell you
    December 09, 2016

    5 things life insurance companies don't always tell you

    If you’re a senior and you own a convertible term policy that will soon expire, you may think your choices are limited simply because there was no "cash value" built up in the policy over the years. Your life insurance company is unlikely to tell you otherwise and, in fact, many insurers prevent their agents from informing you of any alternatives to either letting the policy expire or converting it to a more expensive new policy. But the truth is that you may be able to unlock the value in your policy by selling it to outside investors for a lump-sum cash payment.

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  • Financial Planning Puzzle and Life Setlements
    August 15, 2016

    Did You Miss A Piece of the Planning Puzzle?

    Nothing has gone through more changes in the last 40 years than life insurance. Therefore, if you’re helping seniors with financial planning, the puzzle is not complete without an analysis of the fair market value (FMV) of all valuable assets, including their life insurance.

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  • Life Insurance Independence
    July 01, 2016

    Create Independence Day For Your Senior Clients

    When I think of Independence Day (July 4th), I think of American resilience and ingenuity. Americans possess a unique mental toughness and determination to fight for worthy causes. Hollywood has just launched their 2nd movie, Independence Day Resurgence that celebrates American strength and our ability to stand together and survive through difficult times.

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  • Downsizing your life insurance small
    June 02, 2016

    Downsizing? Consider Downsizing Your Life Insurance.

    Seniors have several options to choose from to help get the most out of their retirement years. Downsizing your home is one of the most popular choices, but did you know, you could also downsize your life insurance? You might ask yourself, why would I downsize my life insurance? You would do it for the same reason you would choose to downsize your house. You decide that you just don’t need as much you once did now that the kids are out on their own.

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  • Advisor determines if consumer is eligible to sell a life insurance policy
    May 09, 2016

    When Is a Life Settlement a Possibility?

    The most important factor to determine whether a life settlement should be considered is whether or not the policy is about to be lapsed or surrendered. In other words, a life settlement is an alternative to lapse or surrender, not an alternative to keeping a policy.

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  • Betrayal by Insurance Companies 176
    March 17, 2016

    Are life insurance companies betraying their senior policyholders?

    Is it possible that life insurance companies are betraying America’s seniors, a vulnerable group of customers who put their trust in the hands of these companies when they purchased life insurance policies?

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  • Life Settlement - Happy Holidays
    December 21, 2015

    Happy Holidays! Here’s to Better Financial Planning in 2016

    As we approach the holiday season and the close of 2015, it’s a great time to take a step back and reflect on what is most important in life. It’s not the amount of money in our bank accounts or the great achievements in our careers . . . it’s the relationships we hold dear.

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  • COI-176x176
    November 19, 2015

    Insurers Misprice Products and American Consumers Pay the Price

    Over the last five months, several insurance companies, including Voya and AXA, have announced increases to cost of insurance rates ("COI") for certain outstanding universal life insurance policies. These increases, some which are in excess of 80%, allegedly were made to address the anticipated future costs for providing the coverage.

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  • rsz_1happy-couple-crop-small
    June 30, 2015

    Don’t get confused: Life settlement transactions are safe and regulated

    From time to time, a misinformed person takes to his or her computer and publishes something about life settlements that confuses folks with false and misleading information. Unfortunately, in the era of digital media, one inaccurate article can live a long and destructive life on the Internet. When that happens, it’s important to call a timeout and set the record straight.

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